I always use my RCCL credit card to book and pay for our cruises. BUT... I always pay them off as we go. One trick we found is to save all of the change in your pocket from the point you decide to go on the cruise until you leave. You will be AMAZED at the amount if money you will collect just from your daily change! We normally amass enough money to either pay for or put a huge dent in your on-board chanrges for the week. But remember, buy using the RCCL CC, we gain points that can be used for future cruises and on-board charges.